香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容 而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 中國光大銀行股份有限公司 中國光大銀行股份有限公司 China Everbright Bank Company Limited China Everbright Bank Company Limited （於中華人民共和國註冊成立的股份有限公司） （於中華人民共和國註冊成立的股份有限公司） （股份代號：6818） （股份代號：6818） 海外監管公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10B條而作出。 茲載列中國光大銀行股份有限公司在上海證券交易所網站刊登的《中國光大銀行股份有限 公司第十屆董事會第四次會議決議公告》，僅供參閱。 中國光大銀行股份有限公司 董事會 中國 • 北京 2026年2月11日 於本公告日期，本公司執行董事為郝成先生、齊曄女士及楊兵兵先生；非執行董事為 吳利軍先生、崔勇先生、趙晶晶女士、姚威先生、張銘文先生及李巍先生；以及獨立 非執行董事為邵瑞慶先生、李引泉 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容 而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 中國光大銀行股份有限公司（「本公司」）謹此公佈，本公司董事會（「董事會」）已於2026年2 月11日同意委任楊小慧女士（「楊女士」）為本公司聯席公司秘書。楊女士自本公告日期起 正式履行聯席公司秘書的職責。自楊女士任職之日起，李美儀女士（「李女士」）不再擔任 本公司聯席公司秘書。同時，楊女士接替李女士作為本公司於香港代表接受送達法律程 序文件及通知書的代理人（「法律程序文件代理人」）。董事會謹此對李女士在其任職期間 為本公司作出的貢獻表示感謝。 楊女士的簡歷如下： 楊女士為卓佳專業商務有限公司（Vistra集團的成員公司）的公司秘書服務高級經理，擁有 超過15年公司秘書工作經驗，熟悉《香港聯合交易所有限公司證券上市規則》（「上市規 則」）、香港《公司條例》和上市公司的合規工作，負責為上市公司、跨國公司等提供公司 秘書及合規服務。楊女士為特許秘書、公司治理師以及香港公司治理公會及英國特許公 司治理公會的會士 ...

股票代码：601818 股票简称：光大银行 公告编号：临 2026-014 中国光大银行股份有限公司 第十届董事会第四次会议决议公告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 中国光大银行股份有限公司（简称本行）第十届董事会第四次会 议于2026年2月4日以书面形式发出会议通知，并于2026年2月11日在 中国光大银行总行以现场会议方式召开。本次会议应出席董事15名， 亲自出席董事14名，张铭文、李巍、邵瑞庆董事以视频方式参会；委 托出席董事1名，齐晔董事因其他公务委托杨兵兵董事代为出席并行 使表决权。会议的召开符合法律、法规、规章和《中国光大银行股份 有限公司章程》（简称《公司章程》）的有关规定。 本次会议由吴利军董事长主持，审议并通过以下议案： 一、关于聘任杨文化先生为中国光大银行股份有限公司副行长兼 首席合规官的议案 表决情况：有效表决票15票，同意15票，反对0票，弃权0票。 董事会同意聘任杨文化先生为本行副行长兼首席合规官。杨文化 先生的副行长兼首席合规官职务自其任职资格获国家金融监督管理 总局（简称金融监管总局 ...

会议还审议并通过《关于聘任汪永奇先生为中国光大银行股份有限公司副行长的议案》《关于变更本行 联席公司秘书的议案》等。董事会同意聘任汪永奇为副行长，其副行长职务自其任职资格获金融监管总 局核准之日起生效。董事会同意由杨小慧接替李美仪担任联席公司秘书，杨小慧自董事会决议通过之日 起正式履行本行联席公司秘书的职责。 2月11日金融一线消息，光大银行今日发布第十届董事会第四次会议决议公告，会议审议并通过《关于 聘任杨文化先生为中国光大银行股份有限公司副行长兼首席合规官的议案》，董事会同意聘任杨文化为 副行长兼首席合规官。其副行长兼首席合规官职务自其任职资格获国家金融监督管理总局核准之日起生 效。 简历显示，杨文化先生现任中国光大银行党委委员，光大科技有限公司党委书记、董事长、总经理。 2006年加入中国光大银行，历任信贷审批部总经理助理、副总经理，资产保全部总经理，特殊资产经营 管理部总经理，法律合规部总经理兼问责委员会办公室主任。曾任中信实业银行公司银行业务总部综合 管理部副总经理、风险政策部副总经理，中国光大银行股份有限公司（欧洲）非执行董事。获经济学硕 士学位，经济师。 简历显示，杨文化先生现任中国光大银行党委 ...

Core Viewpoint - A recent civil judgment revealed that a bank, specifically China Everbright Bank, was found liable for improper sales of trust products, leading to significant investor losses [1][7]. Group 1: Case Details - Investor Mr. Geng invested 3 million yuan in a coal industry trust product and only recovered approximately 1.6387 million yuan, resulting in a loss exceeding 45%, amounting to 1.36 million yuan [1][3]. - The Shanghai Financial Court ruled that the bank must bear 20% of the loss compensation due to its violation of sales regulations [1][3]. Group 2: Legal Proceedings - The first-instance court identified three main issues: whether the bank acted as an agent in sales, whether it violated investor suitability obligations, and how to determine compensation responsibility [3][9]. - The court concluded that the bank failed to conduct any risk assessment before recommending the product to Mr. Geng, thus holding it partially responsible for the investment loss [3][9]. Group 3: Compensation and Appeals - The first-instance judgment ordered the bank to compensate Mr. Geng 272,514.17 yuan within ten days, while rejecting his other claims [4][10]. - Both parties appealed the first-instance ruling, but the Shanghai Financial Court upheld the original decision, confirming the facts and legal application were correct [5][11].

Core Viewpoint - The integration and exit of village banks by joint-stock banks are accelerating, marking a shift from rapid expansion to a new phase of "precision and specialization" in the industry [2][5][10] Group 1: Company Actions - Everbright Bank has completed the exit of all three of its village banks within three months, achieving a total "zero" status for its village bank holdings [3][7] - Shanghai Pudong Development Bank (SPDB) is actively pursuing the "village to branch" model, having exited two village banks in early February 2026, making it the most frequent institution in terms of exits among joint-stock banks [1][8] - By February 11, 2026, SPDB had reduced its number of village banks from 28 to approximately 13, with 15 exits occurring between 2025 and 2026 [8][9] Group 2: Industry Trends - The development stage of village banks is transitioning from scale expansion to a focus on high-quality development, as indicated by government reports advocating for market-oriented and legal principles in the risk management and transformation of local financial institutions [2][5] - Over 230 village banks underwent restructuring through mergers, "village to branch" transitions, and bankruptcies in 2025, driven by state-owned banks, joint-stock banks, and local financial forces [5][9] - The integration of village banks by joint-stock banks is part of a broader industry trend, with significant differences in attitudes and cleaning rhythms among the 12 national joint-stock banks [6][9] Group 3: Financial Performance - Despite achieving profitability in 2024, the performance of the three village banks under Everbright Bank showed divergence in 2025, with one bank reporting a loss of 116.88 thousand yuan in the first half of the year [4][9] - Minsheng Bank, which has retained a broad layout of 29 village banks, reported a total asset decrease of 3.18 million yuan by mid-2025, indicating a slight decline in both deposits and loans [9] Group 4: Future Outlook - The future of village banks is expected to evolve towards a more concentrated, specialized, and higher-quality direction, driven by regulatory guidance and strategic adjustments from banks [10]

Core Viewpoint - The recent civil judgment reveals that China Everbright Bank engaged in illegal sales of trust products, leading to significant investor losses and a court ruling mandating compensation for the affected investor [1][2]. Group 1: Legal Proceedings - A civil judgment from the Shanghai Financial Court determined that China Everbright Bank must compensate an investor approximately 272,514.17 yuan for losses incurred from a coal industry trust product, which resulted in over 45% loss on a 3 million yuan investment [1][2]. - The court found that the bank acted as an illegal sales agent for the "Chang'an Trust Coal Resource Industry Investment Fund No. 3," and the investor only recovered 1,637,429.14 yuan of the initial investment [1][3]. - The judgment also stated that any future distributions received by the investor from the trust would reduce the bank's compensation liability by 20% of those amounts [3]. Group 2: Regulatory Oversight - In 2015, the China Banking Regulatory Commission issued a directive highlighting significant internal control and risk management issues at the Shanghai branch of the bank, leading to a suspension of various sales activities [2]. - The directive mandated that the bank strengthen its management of agency sales and implement a list-based management system for sales agents, prohibiting unauthorized sales by branch institutions [2].

Core Viewpoint - Several banks, including Everbright Bank and Hunan Sanxiang Bank, are actively recruiting collection personnel, indicating a shift towards more structured and qualified in-house collection teams to enhance post-loan management efficiency [1][4]. Group 1: Recruitment Announcements - Everbright Bank announced a recruitment for three positions in its retail and wealth management department, specifically for loan collection roles, requiring candidates to have at least a bachelor's degree and relevant work experience [2]. - Hunan Sanxiang Bank is also seeking to hire various talents nationwide, including senior collection management and senior electronic collection personnel, with similar educational and experience requirements [2]. - WeBank has posted a job opening for a business operations support role, requiring candidates to have at least five years of experience in outsourced collection management or three years in frontline collection [3]. Group 2: Changes in Collection Practices - The recruitment trends reflect a departure from the previous reliance on third-party collection agencies, which often lacked stringent educational and experience requirements, leading to inconsistent management and quality of service [4]. - The shift towards in-house collection teams is driven by the need for compliance and effective management, as evidenced by complaints regarding aggressive collection practices from third-party agencies [4][5]. - The China Internet Finance Association has issued guidelines to improve collection practices, emphasizing the need for financial institutions to strengthen their internal collection capabilities and manage outsourced services carefully [4]. Group 3: Implications for the Banking Sector - The introduction of qualified personnel in collection roles is expected to enhance the overall strength of collection teams and improve compliance with regulations, thereby increasing the effectiveness of post-loan management [5]. - The transition from outsourced to in-house collection is partly motivated by the challenges faced by financial institutions regarding compliance and penalties associated with inadequate outsourced collection practices [5].

据了解，微信信用卡还款平台已与超100家银行达成合作，为用户提供查账还款、账单分期、场景分期 等服务。 通过微信信用卡还款平台，用户可以同时申请多家银行的账单分期"国补"贴息，不同银行的贴息额度互 不占用。根据财政部近期发布的《关于优化实施个人消费贷款财政贴息政策有关事项的通知》，信用卡 账单分期还款已纳入财政贴息政策支持范围，每人在单个银行机构可享受的累计财政贴息金额上限为 3000元，年贴息比例为1个百分点，政策实施期限延长至2026年底。 北京商报讯（记者 董晗萱）2月10日，北京商报记者获悉，微信信用卡还款平台正式上线信用卡账单分 期"国补"贴息服务。农业银行、邮储银行、浦发银行、招商银行、民生银行、光大银行、建设银行共七 家银行首批接入，用户办理上述银行信用卡的账单分期还款时，可享受1个百分点的"国补"贴息，更多 银行正在陆续接入中。 对于符合贴息条件的分期订单，银行将自动调整分期手续费或将贴息返还至账户，用户无需额外申请操 作。以10000元分12期为例，在银行分期利率折扣优惠的基础上，叠加"国补"再减免1%利率，用户可节 省利息约50元。 ...

Core Viewpoint - China Everbright Bank emphasizes its commitment to supporting technological innovation and expanding domestic demand as part of its financial strategy, aligning with national economic goals for the upcoming years [5][12][13]. Group 1: Support for Technological Innovation - The bank has established a specialized financial system for technological innovation, focusing on key areas such as domestic substitution, self-control, and supply chain enhancement, which has improved its credit structure while promoting new productive forces [5][12]. - It aims to increase financial support for strategic emerging industries and future industries, including integrated circuits, aerospace, and embodied intelligence, to provide high-level, comprehensive financial services to leading technology enterprises [13]. Group 2: Expansion of Domestic Demand - The bank has developed six distinctive services, including "Cloud Payment" and "Sunshine Wealth," to enhance consumer spending and support the construction of a modern industrial system, contributing to a strong market driven by domestic demand [5][12]. - It plans to align with national regional development strategies to bolster key industries in areas like the Guangdong-Hong Kong-Macao Greater Bay Area, Yangtze River Delta, and Beijing-Tianjin-Hebei, addressing financial needs related to industrial transfer and upgrading [13]. Group 3: Future Outlook - Looking ahead to 2026, the bank will continue to implement the "14th Five-Year Plan" and accelerate the transition from top-level design to coordinated implementation in building a financial powerhouse [6][13]. - The bank is committed to supporting the construction of a unified national market and enhancing consumer confidence through its specialized services, contributing to the successful completion of key economic tasks and the advancement of Chinese-style modernization [13].